EncompassFi Customer Reviews

EncompassFi is a Las Vegas, Nevada-based financial-services provider that bundles small-business payroll, card-payment processing, and commercial lending into a single online portal. Per the company's own site, the platform is marketed to restaurants, retail stores, e-commerce sellers, service businesses, offices, and other small businesses and franchises that need an integrated payroll and payments toolkit.

Payments Products

On the payments side, EncompassFi offers swiped and keyed card acceptance through countertop terminals, a virtual terminal, point-of-sale systems for restaurants and retail, online checkout integrations for WiX, PrestaShop, Shopify, WooCommerce, Magento, and custom storefronts, plus invoicing and recurring-billing tools. The company markets same-day funding on weekdays and weekends, chargeback notifications, and a unified analytics and reporting dashboard.

Payroll and Lending

Payroll features include unlimited regular and off-cycle pay runs, free direct deposit, automatic state and federal tax filing, QuickBooks Online integration, W-2 and 1099 issuance, and a SimplyInsured benefits integration. EncompassFi also surfaces commercial-lending options described on the site as equipment loans, working capital, real estate financing, and lines of credit, sourced through partner lenders.

Card Processing Rates

EncompassFi does not publish specific per-transaction processing rates on its public pricing page. The company's own marketing language describes the merchant offering as a "flat-rate pricing with no hidden fees" model with same-day funding, and quotes are issued through a sales consultation rather than a posted rate card. User reviews and expert content report that the merchant agreement bundles equipment and software with the processing rate and that the effective rate is set per merchant based on industry, monthly volume, average ticket, and acceptance mix.

Payroll Pricing

Payroll is sold on a flat monthly subscription billed per employee or contractor, which the company reports includes unlimited pay runs (regular, bonus, termination, and off-cycle), free direct deposit, free state and federal tax filings, and W-2 and 1099 issuance with no per-payroll surcharge.

Ownership/Leadership: Noel Noriega, Chief Executive Officer and Co-Founder

Address: 10501 W. Gowan Rd, Suite 260, Las Vegas, NV 89129

Phone: 702-745-8111

Website:encompassfi.com